as you mentioned in your introduction, supervisor at avalosavalos, we're doing what n to work the rfp into the process and ensuring that the contracts that enter the process but the support our community in sanfrancisco. as many of you know, the treasurer's office has a long history of rolling out financial empowerment programs, but as we call them, to do positive things in our community. one of the first things was an effort to get people away from predatory check captures and enduring relationships with healthy, lower cost, more mainstream financial institutions, where they could seek -- keep their money safe and not pay outrageous predatory fees. since then, we have been working directly with credit -- credit. we are still in the beginning of the pilot program and are hopeful we can show there are ways that credit unions and hopefully banks, can someday provide low-cost loans to low- income people in a way that is not as predatory as pay lenders. >supervisor avalos: who were those institutions involved? >> we wanted to make it as broad as possible. when launched the program five ye